Like there are good offshore sportsbook, there are many great local guys. I find many locals give out way to much credit, to guys that have no way paid.
Sometimes that comes and bites him in the ass, some small fry has a hugh week, and another rolls over.
I alway think of it as..... I AM giving the local credit, when I playing...and how much can he afford to pay if I win, and play within those limits.